Jcap Private Lending

What Jcap Private Lending does

Jcap Private Lending (legal entity: Jayco Premium Finance of California Inc.) is a Costa Mesa, California-based private lender founded in 2014 that originates short-term, real estate-secured bridge loans nationwide. The company offers six loan programs — Cash Out Refi, Rate & Term Refi, Fix and Flip, Multi-Family Bridge, Commercial, and DSCR — sized from $30,000 to $5.0 million, with a maximum 65% loan-to-value ratio and closings reported in as little as five days. Underwriting is equity-based, prioritizing property asset value over borrower creditworthiness.

On the funding side, Jcap operates a vertically integrated capital stack of internally managed investment funds and programs: three core funds (Fixed Income Fund, 1st Cast Opportunity Fund, Magellan Fund) plus four specialty programs (Cash Reserves at 4% APY, Second Orchard LLC at 8% fixed return, Portfolio Management for $10M+ families at 2% management fee, and JCAP Endowment with zero management fees for nonprofits). Loan funding is sourced from these private investment vehicles rather than warehouse facilities or securitization, which the company cites as the basis for rapid approval and closing.

The company distributes through a dual-channel model — direct-to-borrower via its A.I.U Quick Quote digital portal and a broker channel supported by industry association memberships (AAPLP, AIME, NAMB, MBA). Customer segments span real estate investors and developers, licensed mortgage brokers, accredited/qualified purchasers, and a differentiated nonprofit/endowment LP base served through the "One Big Gift" philanthropic initiative. The team is lean (11–50 employees), founder/CEO-led by Bob Eakin, and operates with over 100 years of combined underwriting experience as its primary human-capital asset. Revenue is generated from interest spread on originated loans, management fees on investment programs, and is not publicly disclosed.

Name

Jcap Private Lending

Legal name

Jayco Premium Finance of California Inc.

Website

https://jcap.net

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Jcap Private Lending (Jayco Premium Finance of California Inc.) is a Costa Mesa, California-based private lender founded in 2014 that originates short-term, real estate-secured bridge loans of $30k–$5M nationwide and operates internally managed investment funds serving accredited investors, family offices, and nonprofit endowments.

Ownership category

akta.pro rank

Product category

Private Real Estate Lending

NAICS

Real Estate Credit (522292), Other Financial Vehicles (52599), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Private Credit — Real Estate Debt (Bridge, Mezz, CMBS-like) (FSAHAJAI)

akta.pro secondary industries

Private Credit / Direct Lending (FSAAAHAG), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

• Private real estate lending
• Bridge loan financing
• Hard money lending
• Alternative investment funds
• Real estate debt investment

Headquarters

HQ city

Costa Mesa

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Interest Income from Bridge Loans: Jcap generates revenue through interest payments on short-term real estate-secured bridge loans. The company offers various loan programs including Cash Out Refi, Rate & Term Refi, Fix and Flip, Multi-Family Bridge, Commercial, and DSCR loans. Loan amounts range from $30k to $5.0 Million with terms typically 1-2 years and max LTV of 65%. Commercial loans start at 11.25%+ interest rates.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels2 records

Core offering

Jcap Private Lending originates and funds short-term, real estate-secured bridge loans ranging from $30k to $5M for real estate investors, developers, and mortgage brokers nationwide, with loan amounts determined primarily by property value (asset-based underwriting) rather than borrower credit. It also operates private alternative investment funds (Fixed Income, 1st Cast Opportunity, Magellan) and structured investment programs (Cash Reserves, Second Orchard LLC, Portfolio Management, JCAP Endowment) that deploy investor capital into these low-LTV real estate loans. Closings can be completed in as little as five days.

Product overview

Jcap Private Lending operates as a unified platform combining alternative investment funds and private lending services. The investment side offers six programs: three core funds (Fixed Income, 1st Cast Opportunity, Magellan), three specialized programs (Cash Reserves, Second Orchard LLC, Portfolio Management for high-net-worth clients, and JCAP Endowment for nonprofits). The lending side provides equity-based real estate loans including Cash Out Refi, Rate & Term Refi, Multi-Family Bridge, Commercial, Fix and Flip, and DSCR programs ranging from $30k to $5 million. All offerings are supported by the proprietary A.I.U Quick Quote portal for loan submissions. The company has over 100 years of combined underwriting experience and operates nationwide.

Differentiator

Problem solved

Functional benefit

Brands

• Fixed Income Fund: Fund that purchases short-term real estate loans with low loan-to-values (less than 50%), short terms (1-2 years), secured by Class A & B properties.
• 1st Cast Opportunity Fund
• Magellan Fund
• Second Orchard LLC
• Portfolio Management Program
• JCAP Endowment
• Cash Reserves

Products and services

• Cash Out Refi Loan Program Equity-based real estate bridge loan program for borrowers, with loan amounts from $30k to $5M and a maximum LTV of 65%, covering SFR, multifamily, and commercial property types.
• Rate & Term Refi Loan Program Real estate refinance loan program with loan amounts from $30k to $5M, maximum LTV 65% and ARV 65%, recourse required, minimum FICO 480, available nationwide across SFR, multifamily, and commercial property types.
• Multi-Family Bridge Loan Program Bridge financing program for multifamily properties with loan amounts from $250k to $5M, recourse required, minimum FICO 650, available nationwide.
• Commercial Loan Program Commercial real estate loan program with loan amounts from $250k to $5M, interest rates starting at 11.25%+, maximum LTV/ARV 65%, recourse required, minimum FICO 620, available nationwide for multifamily and commercial properties.
• Fix and Flip Loan Program Short-term loan program for real estate investors acquiring and renovating properties for resale, distributed through Jcap's broker channel program guidelines.
• DSCR Loan Program Debt Service Coverage Ratio (DSCR) based loan program for investment properties, offered through Jcap's broker program channel.
• JCAP Fixed Income Fund Alternative investment fund that purchases short-term real estate loans with low loan-to-values (under 50%) and 1–2 year terms, secured by Class A & B properties. Designed for fixed-income investors seeking conservative, collateralized returns.
• 1st Cast Opportunity Fund High-yield short-term mortgage fund providing accredited investors access to bridge loans secured by low-leveraged real estate, targeting superior risk-adjusted returns with collateralization.
• Magellan Fund Alternative investment fund seeking above-market returns through non-performing notes backed by real estate, discounted real estate-backed notes, and distressed real estate assets.
• Cash Reserves Program Conservative investment program offering 4% APY with a 30-day hold period, accommodating IRA funds and providing priority placement in longer-term Jcap investment initiatives.
• Second Orchard LLC Investment program operational since 2018, distributing fixed 8% monthly returns with a $100,000 minimum investment, principal protection strategy, and IRA-eligibility.
• Portfolio Management Program Tailored investment program for qualified investors and families with assets exceeding $10 million, featuring a customized Investment Policy Guideline (IPG), a 2% management fee, a 2-year hold period, and flexible monthly, quarterly, or annual distributions. IRA-eligible.
• JCAP Endowment Program Conservative investment program for non-profits and endowments, including family foundations and donor-advised funds, offering a fixed yield with zero management fees to support ongoing philanthropic operations through the One Big Gift initiative.

Quantifiable outcome

• Closings can be completed in as little as 5 days
• +1 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor.

• Angel House OrphanageminorOthersPhilanthropic partner participating in the One Big Gift initiative. This initiative assists philanthropic organizations in creating ongoing, reliable support for their charitable agendas by providing a structured approach to philanthropy that ensures reliable monthly cash flow.
• 88:1 Music Education EndowmentminorOthersPhilanthropic partner participating in the One Big Gift initiative for music education support. The program enables donor-advised funds and endowments to receive consistent monthly distributions.
• Jews for JesusminorOthersReligious nonprofit organization participating in the One Big Gift initiative. The program supports their charitable mission through structured endowment investments providing fixed yields.
• Three-Strikes EndowmentminorOthersNonprofit organization participating in the One Big Gift initiative. The program helps establish endowments for ongoing charitable support through reliable investment vehicles.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/JCAPPrivateLending

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Jcap Private Lending